1. $AVVYYOUTH
BADGES FOR YOUTH FINANCIAL EDUCATION
Presenters
Catherine Lim and Tina Eng
EAST BAY ASIAN LOCAL
DEVELOPMENT CORPORATION
Additional Team Members
Charles Go, PhD
UNIVERSITY OF CALIFORNIA COOPERATIVE EXTENSION
Michael Edwards
PROGRAMMER, ONEARMEDMAN LLC
Aditi Rao
UX/UI DESIGNER (INDEPENDENT)

2. What is your earliest memory of
understanding how money works?
$AVVYYOUTH: BADGES FOR YOUTH FINANCIAL EDUCATION
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3. Where do youth learn financial skills if not
from their families or at school?
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4. All youth, regardless of
income or background,
should have the skills and
knowledge to control their
financial futures.
$AVVYYOUTH: BADGES FOR YOUTH FINANCIAL EDUCATION
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5. Youth Financial Education Since 2006
Youth receive certificates in 2007
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8. $AVVYYOUTH: BADGES FOR YOUTH FINANCIAL EDUCATION
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9. Curriculum Materials
$AVVYYOUTH: BADGES FOR YOUTH FINANCIAL EDUCATION
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12. Program Data
$AVVYYOUTH: BADGES FOR YOUTH FINANCIAL EDUCATION
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13. $AVVYYOUTH: BADGES FOR YOUTH FINANCIAL EDUCATION
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14. Program Accomplishments
• 2000 4th-5th grade students
• 6 years of experience
• Partnerships with 20 Oakland
schools
• Target Title I schools
• 88% completion rate
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15. Current Partner Schools

16. All Oakland Elementary Schools

17. Teaching Platform
Teaching Module Screen

18. $avvyYouth is badge system for both
learning and teaching
ADULT YOUTH
Badge
System
TEACHING LEARNING
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19. Assessment Data
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20. Earning Scenario Badges

21. Earning Scenario Badges
Complete your budget.
Remember you have only
$50 for all of your
supplies!
Justify Your Answers.
How many items did you purchase?
Did you purchase at least one clothing item, one food item,
and one school supplies item?
Did you buy anything else with the money you had leftover?
If yes, why did you choose to buy those things?

22. Theory of Change
Inputs Outputs Outcomes Impact
Instruction Badges Unlocked Healthy
Exercises validate opportunities financial
Assessment financial to practice behaviors
skills & skills and into the
knowledge build assets future
gained
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23. Implications of Financial Ed. Badges
Customer Account #
2384 12345
New customer
THE SAVVIEST
CREDIT UNION
Badges Earned:
Eligible for:
Super Saver Savings Account! Create Account
Badge earners are eligible for special financial products
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24. $avvyYouth: A Portal to Resources
Studies show that having an personal asset, no
matter the amount, even if it’s just $1,
increases academic attainment, fiscal prudence
in parents, and hope for the future.
ASSETS
Scholarships
Matched Savings Accounts
Special High Interest Accounts
Low Interest Loans
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25. Levels and Hierarchies
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26. Congratulations!
You balance a budget like a beast!
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28. Congratulations!
Not even a drop got through!
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29. Congratulations!
You are exponentially awesome!
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30. Examples of Topic Badges
SPENDING $AVVY
?
? ?
? ?
?
SAVING $AVVY
?
? ?
? ?
? ?
? ?
? ?
?
CREDIT $AVVY
?
? ?
? ?
? ?
? ?
? ?
?
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31. Congratulations!
YOU’RE SUPER $AVVY!
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32. Assessments and Peer to Peer Learning
Example Grading Screen
Question: Name an example of a NEED.
Student Answer Correct Answer
User 2345
User 2345
Basic needs, such as clothes, food, shelter,
Basic needs, such as clothes, food, shelter,
Clothes.
Clothes. water.
water.
Award Badge
User 2399
User 2399
Basic needs, such as clothes, food, shelter,
Basic needs, such as clothes, food, shelter,
Fruits and Vegetables
Fruits and Vegetables water.
water.
Award Badge
User 3499
User 3499 Basic needs, such as clothes, food, shelter,
Basic needs, such as clothes, food, shelter,
water.
water.
I Idon’t know.
don’t know.
Award Badge
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33. Portability and Interoperability
• OBI-compliant
• Guardian consent required (COPPA)
• Increased parent engagement
• Badge “Vault” for under age users
• Modular and Secure
http://savvy.distlearn.org/badges/
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34. Branding
Example badge
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35. $avvyYouth Badge System Overview
• A learning and teaching platform
• Link between learning and behavior change
• Skill and scenario badges
• Assessments made easy
• Measure of consumer readiness
• Standards for COPPA
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36. Oakland Leads the Way
• Incorporate financial education into schools
• Increase parent engagement around financial
futures of youth
• Connect low income youth to real financial
assets
• Game-changer in Youth Financial Education
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